1997 Dodge Ram Pickup 3500 Insurance Quotes – 6 Savings Tips

Are you tired of scraping the payment together to buy car insurance? Your situation is no different than many other consumers.

Popular companies such as Geico, Progressive and Allstate all claim big savings with advertising and it can be hard to ignore the propoganda and do the work needed to find the best deal.

If you are paying for car insurance now, you will be able to save some money using these methods. Finding affordable coverage is not that difficult. Nevertheless, car owners must learn how insurance companies sell online because it can help you find the best coverage.

The best way we recommend to compare car insurance company rates is to realize car insurance companies participate in a system to provide you with a free rate quote. The only thing you need to do is provide details such as your occupation, the type of vehicles you drive, the ages of drivers, and daily mileage. Your rating data is automatically sent to multiple auto insurance providers and they respond with quotes instantly to find the best rate.

Which policy gives me the best coverage?

When choosing the right insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether you might need an agent’s assistance.

• How much underlying liability do I need for an umbrella policy?
• Should I drop comprehensive coverage on older vehicles?
• Am I covered if I wreck a rental car?
• Should I file a claim if it’s only slightly more than my deductible?
• How high should my medical payments coverage be?
• Am I covered if I break a side mirror?
• Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Insurance policy specifics

Learning about specific coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses like hospital visits, rehabilitation expenses, pain medications, funeral costs and surgery. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability auto insurance

Liability coverage protects you from damage that occurs to a person or their property. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like structural damage, court costs, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, damage from getting keyed, hail damage and damage from flooding. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

Collision coverage pays for damage to your Ram Pickup 3500 from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with another moving vehicle, hitting a parking meter, hitting a mailbox, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Dodge Ram Pickup 3500.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.